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Inaccurate scoring.
Be careful. The scores offered on these free sites are NOT the scores that lenders see, and the difference can be substantial. I had a CK score of 761, but when I received a credit report from TransUnion my score was 681. An 80 point difference. A good friend in the lending business tells me that even the credit reports we obtain from the big 3 are not the same as the lenders see.

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